Account Manager
MCB, Formerly NIB Bank Limited
Total years of experience :18 years, 3 Months
NIB Bank Limited
Korangi Industrial Area Branch, Karachi.
Emerging Business Group.
Presently working in the capacity of Account Manager.
Currently managing advance portfolio of branch with major achievement of Rs.650 Million.
Ensure good quality credit to be booked.
Obtain market intelligence for assets related customer.
Relationship Management with existing and new
SME & Commercial Customer as well as managing
the team members.
Prepare credit proposals.
Meeting with clients on a periodic basis to gauge
customer satisfaction on first hand basis.
Regular Monitoring of recovery of monthly/quarterly installments and markups.
Engage in completing the Mortgage Formalities.
Assist marketing plan with the help of Area Manager and BUM for credit facilities in order to achieve budget & goals of our Branch.
NIB Bank Limited (Formerly NDLC - IFIC Bank Ltd) NIC Bulding, Sarwar Shaheed Road, Karachi.
Credit and Marketing Department Worked as a Manager Credit Marketing at Main Shahrah-e-Faisal Branch and Clifton Branch.
Generate & Maintained SME, Retail & Auto lease
business portfolio with major achievement of Rs.395 Million
Relationship Management with existing and new
SME, Commercial and Individual
Customer as well as managing the team members.
Maintaining existing customer relations and
ensuring a low customer - attrition rate.
Prepare Credit Proposals & Risk Evaluation of each
disbursed facility of my portfolio for Credit Approvals from Credit Committee.
Co-ordination with the respective departments of
Operation & Risk Management for Pre disbursement and post disbursement.
Ensuring recovery from delinquent clients.
Maintaining low bad-portfolio ratio through strict
follow-ups on delinquent clients.
Ensuring Audit Compliance.
Industry research & analysis
Relationship Manager for key corporate relationships with ENGRO.
(Contractual employee)
Worked in Business Power SME Department with the following responsibilities.
Creation of Market awareness as the SME Banking in Pakistan to deal in the product “Business Power”
Offering RF Facility against residential and commercial properties.
Targeting to prospective clients to increase the
clientele according to strategy of the Bank.
Evaluation of clients with market creditability.
Examination of all necessary/required documents
within the frame of legal requirements and
Prudential guidelines of SBP.
Preparation of prospective clients proposal for approvals of credit committee.
Co-ordination with the respective departments of
Operation & Risk Management for disbursement
and limit.
Worked on credit Lines of World Bank,
Kreditanstalt fur Wiederaufbau (KFW) Germany
and Asian Development Bank.
Worked as Assistant Manager Credit & Marketing
SME Department.
Generate & Maintained SME & Corporate Leasing
business portfolio with major achievement of Rs.485 Million
Relationship Management with existing and new
SME & Corporate Clients as well as managing the back officers.
Targeting and visiting to prospective clients for increase the clientele according to strategy of the
company.
Developing relations with Suppliers and Importers
of Machinery.
Examination of all necessary documents with the
frame of legal requirements and prudential
guidelines of SECP.
Maintaining existing customer relations and
ensuring a low customer-attrition rate.
Prepare Credit Proposals & Risk Evaluation of each
disbursed facility of my portfolio for Credit
Approvals from Credit Committee.
Co-ordination with the respective departments of
Operation & Risk Management for pre
disbursement and post disbursement.
Follow ups and ensuring recovery from delinquent
clients.
Maintaining low bad-portfolio ratio through strict
follow-ups on delinquent clients.
Ensuring SECP and Audit Compliance.
Worked on credit Lines of Swiss Development
Corporations (SDC) Switzerland, World Bank and
Asian Development Bank.
Worked as Senior Marketing Executives for
Creation of market awareness as the First
leasing company in Pakistan to deal in small and
micro enterprises (SME’s) for leasing business.
Credit appraisal report / lease proposal Evaluation
Report were prepared independently by myself
and were jointly signed with Head of Marketing
and Executive Director for submission to credit
committee for approval.
Prepare Balance sheet and profit & loss account
for small and micro leasing from financial
information provided by the client.
Credit analysis and prepare Legal Documentation.
Recovery.
Worked as Account Officer directly reporting to the Financial Controller, Preparation of monthly branch accounts, Reconciliation of branch bank accounts, Reconciliation of branch debtors control accounts, Arranging Payments to Parties, Checking of Bills Account wise, Checking of Daily Stock Report, Prepare of L/C applications and maintenance of import record
Passed B.Com (XIV) Examination from University of Karachi as a Regular Student of National College, Karachi., During the Year 1991
Passed Inter (XII) Examination from Karachi Board of Intermediate Education As a Regular Student of National College During the Year 1989
Passed Matriculation (X) Examination from Karachi Board of Secondary Education As a Regular Student of Gulistan School During the Year 1984